The Bank of Houston: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 54.92 percentage points lower than in Q1 2026, at 327.13%. The Bank of Houston has the 8th lowest return on assets of the 192 banks headquartered in Missouri, at 0.39% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, The Bank of Houston reported 0.39% on return on assets in Q2 2026, 0.59 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.14% |
| Equity capital to assets | 14.11% |
| Tangible equity to tangible assets | 13.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.20% |
| Allowance for credit losses to loans | 3.37% |
| Reserve coverage of non-performing loans | 327.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 2.75% |
| Net interest margin | 5.50% |
| Efficiency ratio | 89.03% |
| Yield on earning assets | 7.44% |
| Cost of funds | 2.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.17% |
| Core deposits to total deposits | 84.06% |
| Brokered deposits to total deposits | 8.79% |
| Deposits to assets | 75.94% |
| Securities to assets | 7.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.68% | 0.87% | 6.07% | 0.20% | 0.00% |
| Q4 2023 | 13.27% | 0.72% | 5.76% | 0.27% | 0.00% |
| Q1 2024 | 12.51% | 0.32% | 5.46% | 0.73% | 1.04% |
| Q2 2024 | 12.38% | 1.57% | 5.39% | 0.18% | 0.00% |
| Q3 2024 | 12.28% | 0.72% | 5.40% | 0.00% | 0.71% |
| Q4 2024 | 12.37% | 1.18% | 5.11% | 1.57% | 0.00% |
| Q1 2025 | 13.46% | 0.82% | 5.61% | 0.98% | 0.05% |
| Q2 2025 | 13.43% | 0.16% | 5.19% | 1.57% | 0.00% |
| Q3 2025 | 13.73% | 1.03% | 5.15% | 1.12% | 1.96% |
| Q4 2025 | 14.00% | 0.39% | 5.37% | 0.93% | 0.60% |
| Q1 2026 | 14.31% | 1.74% | 5.42% | 0.90% | 0.00% |
| Q2 2026 | 14.14% | 0.39% | 5.50% | 1.03% | 0.00% |
The Bank of Houston vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Houston, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Houston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13960) · FFIEC NIC profile (RSSD 848453)